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They are infiltrating at the local levels too. Not as an NGO but taking over local orgs. and deviating from their mission.

Example: When I was a kid many of the counties in Florida that were not close to a large metro area had a stand alone hospital. To support the hospital many counties created hospital administration boards that used funds from the county for the hospital to keep it solvent and in the community. These administrations’ were led by elected positions.

In the ensuing decades many of these stand alone hospitals were bought by large organizations like HCA or Advent Health or a large regional hospital chain thus eliminating the need for these hospital admin boards because as part of a larger chain the need for financial assistance to keep it in the community evaporated. The larger chains kept the hospitals in the location and gave it the financial stability.

Due to this these hospital administration boards were no longer needed. Many of them turned into political orgs. masquarading as hospital orgs. They still get tax money but use the money for whatever is the latest thing to virtue signal on. Unfortunately they are usually run by liberal women also.

They are no longer needed for their founding purpose but to disband them requires a vote by county residents and when tried the lies about providing necessary hospital services to resident is brought up and convinces the people to keep the organization.

The race card is used a lot also, i.e. without this org. XYZ minorities will be underserved.

Why Is Homeowners Insurance Getting So Expensive?

https://www.construction-physics.com/p/why-is-homeowners-insurance-getting

Excerpt:

The recent Los Angeles fires have highlighted the rising costs of homeowners insurance in the US. Between 2020 and 2023, US homeowners insurance premiums rose 33% on average. In some places, insurers are simply cancelling policies entirely, due to a combination of rising insurance costs and state regulations that limit how much insurers can raise rates. This has driven many customers into state-backed insurers of last resort — the number of such policies has doubled since 2018, raising liabilities so much that in many cases it’s unclear how the states will fund losses in the event of a large catastrophe. This situation is currently playing out in the aftermath of the LA fires, where the state-backed insurer is estimated to face $8 billion in losses against $377 million in available funding.

Rising insurance costs have led some folks to worry that the world is becoming “uninsurable”: that is, that the risk of disaster is making homeowners insurance (and thus home ownership) either increasingly unaffordable or out of reach entirely.

It’s easy to understand why insurance in some places, like wildfire-prone areas, is getting expensive or unavailable. But the broader trend of rising insurance costs can be observed in essentially every state, and it’s harder to explain. Most potential explanations don’t seem to be sufficient to explain the increase, either because the impact is too small, or because the cause wouldn’t apply country-wide. After diving into the data on homeowners insurance spending and losses, I came up with few smoking guns.

.....We do see a huge increase in homeowners insurance costs in Florida (though this is apparently driven by fraud and litigation as much as it is hurricane risk), but we also see that the increase in insurance costs is very broad. Roughly 90% of states have seen their per capita homeowners insurance cost nearly double or more in real terms since 1980, and the average rate of increase in the South is only slightly higher than the nationwide average. The region with the highest rate of insurance cost increase isn’t the South, but the Midwest, which has fallen as a percentage of the entire US population over time.

.....Conclusion

To sum up, homeowners insurance costs have risen steadily and substantially since the 1970s. Construction cost inflation and increasing home size can probably only explain a small portion of the increase. Insurers’ profits don’t seem to be a driver, and neither does state-level population shifts: the cost increases are across the board, in essentially every state.

Increasingly destructive weather events and climate-related disasters are probably part of the explanation, with the cost in risky regions being spread over the rest of the country, but it’s hard to tell how much this is occurring.

Looking at data from types of claims filed, the increasing frequency and severity of wind and hail damage is responsible for around half the increase in insurance losses over the past two decades, despite the fact that loss ratios in most wind and hurricane-prone states seem to be down. Fire risk is a relatively small portion of the increase. And another major source of increase isn’t anything related to climate at all, but due to the increasing frequency and severity of water damage.
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Graphs, charts and in-depth discussion at link. One interesting item in the conclusion is that a major source of homeowner insurance cost is water damage. And a major cost in Florida is fraud and litigation. I know an example which exemplifies both of these.

A friend’s sister lives in Florida and over the past 5 years has had two pipe breaks in their house that caused significant water damage. They also had their roof replaced after a hail storm due to a roofer saying it needed replacing. Their insurance paid for all the claims.

At the time that they filed the claim for their roof Florida was experiencing significant insurance fraud by claims of roof damage due to the hail storms. Underlines the statement that fraud and litigation are major cost factors in Florida.